Here in the UK there are ******* fees and taxes for everything. Oh you getting paid? Income tax. So now you want to buy something with that money? VAT. What about sending someone money via online banking? Transfer fee. What's that? You died, and want to pass on your money and possessions which have been taxed already about 20 times onto someone else? Tough **** . Inheritance tax.

I'm in Scotland, and it's pretty rare where I live. Small shops that have non-bank branded ATMs have charges (probably because it's expensive as **** to keep the ATM) but it's only about £1.50, and none of the ATMs at banks/supermarkets/town centres where I live charge for withdrawals.

As a Finn (where taxation, as far as I know, is tougher than in the UK for example), I would much rather pay high taxes and get all the benefits that come with it (whether they benefit me or someone else), rather than live in *************** is going on in the USA

You treat the USA as if it's the polar opposite of what it's like in Finland. It's not. The USA tries to find a nice balance between the two. Lot's of countries are trying to do that with taxing. Finland doesn't go the whole mile, but it's much more for taxing than the USA is, but it's a different economy, different people, different beliefs, etc.. etc... Don't be a cunt about it.

oh I wasn't trying to be a cunt, I just can't understand why things like free healthcare and heavy taxation are so scary to some americans. it's one of those things that just doesn't click with me, you know. well that's cultural differences for you.

When you stick your money in a certain bank, you're essentially making an agreement with the entire chain of banks that they'll have your money when you ask for it, so long as they get to use the physical representation of your money (the stuff that physically is money) to do whatever banks do with money.

So when you walk up to a bank from the same chain of banks you made this agreement with, you don't get charged because you're essentially asking for the same physical dollars you gave to them in the first place. Like when you let your friend borrow a game, and he actually gives it back when you ask for it, totally going against the archetype of asshole you mistook him for.

But when you walk up to a totally different bank, you never made that agreement with them. They never "physically" received your money, so any money they'd physically give you would have to be taken out of a pool of other people's money. They then have to go to your bank and say "Hey, this asshole asked for some of his money from us, so you need to reimburse the funds he took." This is typically considered a "colossal pain in the ass" so they ask for extra money to compensate. This is like going up to a different friend, who didn't borrow your game, and saying "Hey, I need your copy of *game*" where he then needs to go either give you his copy of the game, and get the copy you gave the original friend to use for himself, or go to the original friend first and get your game for you. This is also typically considered a "colossal pain in the ass" so even if he'd be willing to do it, you're going to "totally owe [him] one!"

None of this actually, physically happens, it's just the symbolism of what happens. The extra charge is the fee associated with wasting the time of a bank you've never officially done business with. A bank who's totally cool with you wasting it's time...as long as you have money.

If i'd explained, its would be a rather long explanation so to keep it short the money circles through a lot of sources and it helps banks and bank workers, now that the government is handling that they get nothing out of it, the bank always get a bit of loyalty/sponsoring money out of the ATMs

Its not fees for you money, its the ATM company it's self.
I use bank of america, so lets say i want to withdrawl 20$ from a non Bank ATM
The ATM its self charges me $3 just to use the machine, And Bank of America is ******* greedy so they charge me an extra $2.50 because i didnt use a Bank of America ATM. ******* greed man.

whats funny is you said basically the same thing as I love Justin Bieber. I'm his #1 fan. I love cock so bad. Oh god, please give it to me. but he got thumbed into oblivion. he was a dick about it though

This is how FJ thinks business works evidently: Bank Employee Number 1: We are making money by loaning other people's money out, but people want an easier way to access their funds without having to drive to the bank.. B.E.#2: Maybe we should set up teller machines, so people can withdraw money from a wider variety of locations? B.E.#1: Absolutely brilliant! But how will we recoup the cost of setting up all those machines and maintaining them? B.E.#2: Oh, we make so much money already, we'll just set up hundreds of thousands of these machines for absolutely free! B.E.#1: Hell the **** yeah! I can't believe I even wasted my time in business school!

ATM's are a convenience that you have to pay for. That's the way the world works, grow the **** up. The banks could just force you have to make a trip to the actual bank every time you want to withdraw cash from your account, but instead you get to do so in convenient locations. Don't like it? Go to the actual bank and make a withdrawal in person, and don't pay for the luxury of an ATM.

Its the fact that you can conveniently go to almost any corner and access your money instead of having to drive all the way to the bank that holds your money. would you rather drive 20 miles to get to your bank or 2 miles to find an atm

Are you ******* retarded? You pay for conveniences all the time. Since paying for conveniences makes them inconvenient, I suppose you walk to school rather than paying for the convenience of gasoline and a car?